After the fire, how do I get paid?

The insurance answer is to make sure the contents are covered adequately to replacement cost. This is not "guaranteed replacement cost", so you must increase content coverage, if you increase content's value within the policy term.

Keep a record of what you own and what it's worth. With an inventory, you will know if you have enough insurance to buy replacements.

Your agent or broker can give you inventory forms, if you want to write them down. Some people take pictures or video their property, to assist them in recalling all the items that were in their household, just prior to the claim.

Be aware that your home needs to be insured correctly for the building value. Do review the limits and exclusions with your adviser.